This week’s episode of The Mortgage Porter reviews current mortgage rates and what may impact rates this short holiday week. Plus, we review recent changes to Fannie Mae’s guidelines that removes the minimum credit score requirement of 620.
If you or anyone you know are thinking about buying or refinancing a home, I am happy to help! Feel free to contact me to review your scenario.
The Mortgage Porter: Mortgage Rates for the Week of November 24, 2025
November 24, 2025 by Leave a Comment
Turned down for a Mortgage Because of Credit Scores? New Guidelines May Help You!
November 20, 2025 by Leave a Comment
Fannie Mae (conventional lending) recently changed their underwriting guidelines to no longer factor in credit scores for underwriting approval!
Before this guideline change, borrowers needed to have a mid-score of at least 620 to qualify for a conventional mortgage. Scores below 620 could mean that someone may have to opt for an FHA mortgage, which has both upfront and monthly mortgage insurance regardless of the amount of down payment or equity with the property. [Read more…]
Mortgage Rates for the Week of October 13, 2025
October 14, 2025 by Leave a Comment
We are going on 14 days with the government shutdown. How does the shutdown impact obtaining a mortgage for a purchase or a refi? Is it impacting mortgage rates? Check out the latest episode of The Mortgage Porter.
Ready to explore your home buying options?
I’ve been helping Washington State homebuyers navigate the mortgage process since 2000. No pressure, no jargon — just an honest conversation about what’s possible for you.
Trigger Leads BANNED!
September 8, 2025 by Leave a Comment
Last Friday, something I have been writing about for years finally happened. Trigger leads have been banned!
The bipartisan Homebuyers Privacy Protection Act (H.R. 2808) is now official. The law doesn’t go into effect until March of next year… so unless you protect yourself and opt-out of being harassed by strange loan officers or I mean, loan officers who are strangers, you will still feel very popular after having your credit pulled.
Honestly, even after this goes into effect, I still recommend protecting your credit by following these steps.
Of course, if you’re thinking about buying or refinancing your home, I am happy to help you!
A Win for Borrower Privacy: What the New Trigger Leads Bill Means for You
August 20, 2025 by Leave a Comment
I’m excited to share some important and timely news that’s poised to make your homebuying experience smoother, less stressful, and more private. If you’re a long time reader of The Mortgage Porter, you know that I have a huge beef with trigger leads with the articles I’ve written. Let me break down the latest developments around the Homebuyers Privacy Protection Act (H.R. 2808)—also known as the “Trigger Leads” bill—and explain exactly what it means for you. [Read more…]
